*sigh* this may take a while

[Deleted User]

We ended up putting our overdrafts onto a 0% credit card via money transfers and paying them off that way. It forced us to confront the actual money we owed but also saved us a fortune in interest as the overdraft rates we had were horrific.
Do you pay interest on your credit card?

ohdearhowdidthathappen

Yes, the current one we would pay interest if we didn't pay it off in full. I could look at transferring it onto a 0% card, but then there'd be a transfer fee.
Our overdraft fee is tiny, not sure what the % is, but whenever we've dipped into it it's been pence. I'm still hopeful we can rein the CC use in slowly.... if I don't manage it by new year, I might revisit the 0% CC idea

ohdearhowdidthathappen

NSD today, no work today for once, but used the day to catch up with painting.
Carpets are being fitted up the stairs and landing in a few weeks (budgeted out of our house fund) and we need to get the painting done beforehand. We did get quote for getting it painted professionally, but we decided to do it ourselves and save quite a lot of money in the process!
I know in an ideal world, we'd pay the carpet money into the CC, but we really don't want to. The carpet is minging from the building work and is a make shift concoction of off cuts to protect the kids feet on all the splinters etc underneath

clearmydebts

ohshithowdidthathappen wrote: »

NSD today, no work today for once, but used the day to catch up with painting.
Carpets are being fitted up the stairs and landing in a few weeks (budgeted out of our house fund) and we need to get the painting done beforehand. We did get quote for getting it painted professionally, but we decided to do it ourselves and save quite a lot of money in the process!
I know in an ideal world, we'd pay the carpet money into the CC, but we really don't want to. The carpet is minging from the building work and is a make shift concoction of off cuts to protect the kids feet on all the splinters etc underneath

I totally understand where you are coming from. H is due a bonus from work and in an ideal world we should pay off some of the debt but instead we'll be getting our min bathroom done as it is 20yrs old and is minging.

ohdearhowdidthathappen

Uneventful NSD today, was at work and took lunch in..
All our DDs go out tomorrow, so our account will go from looking lovely to looking pretty sad!
Have decided to work an extra day a week in October in current job before starting new job... there are a few advantages to it;
1)I've been having to pay for the 3rd days childcare anyway to hold the spaces open, which is expensive
2) I'll be earning an extra days income to help pay down the CC
3) it'll get the children used to the new routine
4) it'll get me used to the new routine!
I start it next week... it's only 5 days extra work over the next month, but should make a £600 dent in the CC

mark55man

sounds like a win all round

clearmydebts

£600 is a fantastic dent to make in your credit card. Plus, as you say, good to get kids into the routine.

ohdearhowdidthathappen

OH got a letter today saying he's getting a tax rebate of £450, nice. How do they make these mistakes though, he's been in the same job for 3 years?! We're putting it in our currently empty christmas fund.
NSD today, painting for the next 2 days, boring but necessary.
Vile teen is on top form her with snippy comments and disdain, always a joy

ohdearhowdidthathappen

Managed to sell some tickets I had bought for a show in London at Christmas, we decided the cost of travel, food etc made the day trip too expensive when we're trying to get on an even keel. So that's another £150 to add to the Christmas fund, that's £600 in there now...
Saw my Mum this morning, took her for coffee and cake which was £6. Was nice to catch up and she wasn't too tricky, so was a pleasant meet up...
Going to have a quiet few hours to myself now as I'll be painting again tomorrow and then working Saturday-Wednesday across the 3 jobs
Food shopping has been going well, managing to stick to £140 per week plus a £10 top up shop midweek. 4 weeks in a row we've managed it now, so am very pleased :T

[Deleted User]

Good news on the £600! That'll go a long way towards Christmas!